Give your business cash a 3.50% AER (variable) boost with Moneybox
One great interest rate, none of the hoops
Award-winning customer service
Trusted by more than 1.5 million people
Availability to open a new Moneybox Business Saver may vary at present.
T&Cs apply. Max one withdrawal per day.
What is a Business Saver?
The Moneybox Business Saver allows limited companies and sole traders to earn 3.50% AER (variable) on cash reserves, and build a strong balance sheet.
One simple rate, no tiers
Next-day withdrawals
No need to switch your current account
Easy access
Unlimited next-day withdrawals, so you can access your business' money when you need to.
Manage anytime, anywhere
Set up an account in minutes on web or download the app to take full control on the go.
Award-winning service
Get helpful support from real people, with our award-winning customer service.
“I’m using my Moneybox Business Saver to save for the tax bill, plus putting any surplus in there each month so I can build a healthy ‘back stop’ for my business. I now earn interest on my business money without even thinking about it. It’s a no brainer! I don’t know why I didn’t do it before.”
Rebecca Mottram Travel, Independent Travel Counsellor
Powering every kind of business
For freelancers
Tax season? Prepared. Build your tax reserve and grow your balance with 3.50% AER (variable).
For startups
Don't just save for the unexpected, save for your next big move – and earn a great rate while you're at it.
For SMEs
A safe home for your business cash. Your Business Saver is FSCS protected up to £120,000.
Earn up to £1,450 more every year on your business’ cash with Moneybox
Don't let your business' cash sit idle. Earn 3.50% AER (variable) on your entire balance from day one with a Moneybox Business Saver. One great rate, none of the hoops – and you don’t have to switch banks.
Moneybox Business Saver | Monzo Instant Access Pot | Lloyds Instant Access account | Allica Easy Access Savings account | Natwest Business Reserve Instant Access | Barclays Business Premium Account | |
|---|---|---|---|---|---|---|
Underlying rate | 3.50% | 1.30% | 0.60% | 2.80% | 0.95% | 1.10% |
Minimum deposit | £500 | £0 | £1 | £20,000 | £0 | £0 |
Balance after 12 monthson underlying rate | £51,750 | £50,650 | £50,300 | £51,400 | £50,475 | £50,550 |
Interest earned in 12 months | £1,750 | £650 | £300 | £1,400 | £475 | £550 |
Current account required? | No | Yes | Yes | No | Yes | Yes |
*Based on a balance of £50,000 after 12 months on underlying rate. Correct as of 20/02/2026. Note higher deposits may be subject to different rates due to some providers having tiered rate structures. The rates are those advertised for new customers.
"I had money sitting in one of the leading banks for years earning effectively nothing, however now my business reserves are giving me a fantastic return."
Rashpal Dhillon from S&D Supermarket Ltd
“We see the benefits daily without any maintenance or complex banking arrangements required.”
Simon Davies, Accelerate Law
“It allows me to have a strong emergency fund and is a great way to let some retained profit earn interest, while I build the business.”
Ellen Stokes, Be Exhibitions Ltd
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Everything you need to know
If you have any questions, please chat to us in the app or email us via support@moneyboxapp.com.
What's the interest rate?
3.50% AER (variable)
Interest is calculated daily on cleared balances and earned but unpaid interest. Your interest is paid monthly on the 1st day of each month.
Can Moneybox change the interest rate?
Yes – the Underlying Rate is variable, so can go up or down. We will inform you as soon as possible, via the Moneybox app and by email, of any change to the interest rate or eligibility criteria. If the rate goes down we will inform you at least 14 days before the rate or eligibility criteria change is detrimental to you. If the target rate of return is exceeded, we will pass any additional interest received to you, rounded down to the nearest penny. If the target rate of return is less than the interest rate shown in the app, we will top-up the interest payment to achieve the advertised rate.
What would the estimated balance be after 12 months based on a £1,000 deposit?
The estimated balance after 12 months would be £1,035.00.
This assumes that:
The Business Saver is opened with £1,000.
No further deposits or withdrawals are made.
The interest rate stays the same for the full 12 months
How do I open and manage my Business Saver?
You may only open and manage the Business Saver via the Moneybox app.
You may make payments into the Business Saver via easy bank transfers and manual bank transfers.
Can I withdraw money?
You can withdraw from Business Saver, subject to maintaining a minimum balance of £500.
You can either withdraw the full balance or withdraw part of the balance.
You can withdraw a maximum of once per day. When you request a withdrawal, the funds will be paid to you on the next business day to your linked bank account (in exceptional circumstances this may take up to 3 days).
You will not earn any further interest on money after it has been returned to us or while it is sent to you.
Moneybox guide to Business Savers
Business Saver vs. current account
Which is right for small businesses in the UK?
5 ways to optimise your cash flow
How the Moneybox Business Saver can help.
Introducing the Moneybox Business Saver
For limited companies and sole traders.
Top Business Saver FAQs, answered
Everything you need to know about the Moneybox Business Saver.
It's important to know
T&Cs apply. Max one withdrawal per day.
The Moneybox Business Saver is available for directors of limited companies and sole-traders only.
If your business has any connections outside of the UK, we unfortunately won't be able to support you at this time.